{"id":5116,"date":"2026-07-20T11:50:13","date_gmt":"2026-07-20T10:50:13","guid":{"rendered":"http:\/\/www.policybee.co.uk\/blog\/?p=5116"},"modified":"2026-07-20T14:08:03","modified_gmt":"2026-07-20T13:08:03","slug":"whats-run-off-cover","status":"publish","type":"post","link":"https:\/\/www.policybee.co.uk\/blog\/whats-run-off-cover","title":{"rendered":"What’s run-off cover and who needs it?"},"content":{"rendered":"
\n
\"Adding<\/figure>\n<\/div>\n\n\n

So that\u2019s it. You\u2019ve\u00a0decided to\u00a0stop\u00a0doing\u00a0whatever\u00a0it is\u00a0you do.\u00a0At\u00a0this point, you might be wondering if\u00a0it’s a good idea to cancel your business insurance.\u00a0\u00a0<\/p>\n\n\n\n

It might be tempting to\u00a0strike\u00a0your insurance off as an unnecessary expense. But it’s important to remember that claims\u00a0don\u2019t\u00a0always stop just because you do.\u00a0\u00a0\u00a0<\/p>\n\n\n\n

Run-off cover is there for what comes next.\u00a0It\u2019ll\u00a0protect you if a client\u00a0claims against you for your past work.\u00a0<\/p>\n\n\n\n

Here, we’ll\u00a0break\u00a0down exactly what run-off cover is and how it works.\u00a0<\/p>\n\n\n\n

<\/p>\n\n\n\n

What is run-off cover?<\/h2>\n\n\n\n

Run-off cover\u00a0keeps your insurance going\u00a0after\u00a0you\u2019ve\u00a0stopped\u00a0trading \u2013 whether\u00a0that\u2019s\u00a0because\u00a0you\u2019ve\u00a0retired,\u00a0switched to another career, stopped\u00a0offering a service or treatment, or shut up shop completely.<\/p>\n\n\n\n

Adding on run-off cover is\u00a0especially important if\u00a0you\u2019ve\u00a0had\u00a0professional indemnity (PI)<\/a>\u00a0or\u00a0medical malpractice insurance<\/a>.\u00a0Both of these are\u00a0\u2018claims made\u2019\u00a0policies<\/a>. Which means\u00a0they only\u00a0cover claims\u00a0while the policy is active.\u00a0\u00a0<\/p>\n\n\n\n

So if a policy ends and a claim comes in later? You\u2019re not covered.  <\/p>\n\n\n\n

Run-off cover fixes that. It protects you against claims made after you\u2019ve stopped working, for work you did before. Simple.  <\/p>\n\n\n\n

<\/p>\n\n\n\n

Why should you think about adding run-off cover to your insurance?<\/h2>\n\n\n\n

Problems\u00a0with your work\u00a0don\u2019t\u00a0always show up straightaway.\u00a0And when they do, clients can still\u00a0claim. Regardless of whether\u00a0you\u2019re\u00a0still in business or not.\u00a0\u00a0<\/p>\n\n\n\n

Examples could include some advice you give which later turns out to be wrong. Or a project which causes financial loss some months down the line. Or a complication during a treatment that causes unpleasant symptoms to show up later.  <\/p>\n\n\n\n

Without cover you\u2019d have to deal with the problem \u2013 and pay for it \u2013 yourself.  <\/p>\n\n\n\n

<\/p>\n\n\n\n

Who needs run-off cover?<\/h2>\n\n\n\n

The professions that typically\u00a0need\u00a0run-off cover\u00a0are those\u00a0offering\u00a0advice\u00a0or\u00a0a\u00a0specialist service. That includes consultants,\u00a0designers, copywriters, accountants, architects…basically, anyone\u00a0with professional indemnity insurance.\u00a0\u00a0<\/p>\n\n\n\n

Accountants, architects and surveyors might in fact find their professional body requires them to maintain run-off cover for a specified period after they\u2019ve retired or stopped trading. When you think about the kinds of expensive mistakes that can crop up with these professions, this makes sense. <\/p>\n\n\n\n

Another group that may need run-off cover are medical and healthcare professionals (doctors, dentists, aestheticians etc) whose medical malpractice covers them for claims of physical and mental injury.  <\/p>\n\n\n\n

The problem here is the fact that treatments like injectables, laser, and skin treatments can lead to issues that don\u2019t show up immediately. Problems with scarring and pigmentation, for example, can crop up months or even years later.  <\/p>\n\n\n\n

Then there are company directors stepping down from their jobs. Or business owners wanting to sell, merge, or close their business. For these people, run-off cover protects not just their past work, but that of their partners and employees too.  <\/p>\n\n\n\n

<\/p>\n\n\n\n

What are some run-off claims examples?<\/h2>\n\n\n\n

For an idea of how\u00a0run-off works and who might need it, here are some examples of it in action:\u00a0<\/p>\n\n\n\n

The web developer<\/h3>\n\n\n\n

A web developer builds a website for a client. Five years later, after the developer has closed their business, the client discovers a security flaw in their website that allows hackers to steal their customers’ data. The client sues the developer for\u00a0negligence<\/a>. However,\u00a0run-off cover from the developer’s original PI insurance helps to defend the lawsuit.\u00a0<\/p>\n\n\n\n

The architect<\/h3>\n\n\n\n

An architect designs a building.\u00a0Four years later, cracks start to appear in the building\u2019s\u00a0foundations,\u00a0and the building\u2019s\u00a0owner sues the architect for\u00a0producing\u00a0a faulty design.\u00a0The architect has since retired; fortunately, the run-off cover from their PI policy provides them with the financial backing\u00a0they\u2019d\u00a0need for their legal\u00a0defence.\u00a0<\/p>\n\n\n\n

The accountant<\/h3>\n\n\n\n

An accountant helps their\u00a0client\u00a0fill out their tax return. Five years later, HMRC spots a discrepancy in the numbers and orders the client to pay fines and extra tax. The client claims the accountant\u2019s work was negligent. Even though the advisor has since stopped trading, their PI run-off cover is activated to deal with the claim.\u00a0<\/p>\n\n\n\n

The aesthetician<\/h3>\n\n\n\n

An aesthetician\u00a0injects their client with lip fillers.\u00a0Six\u00a0months later, the client comes back\u00a0complaining that\u00a0the filler has migrated\u00a0from\u00a0the original injection site, creating a\u00a0lumpy and\u00a0uneven look.\u00a0The aesthetician has since\u00a0changed careers and is no longer offering treatments. Even so, the run-off cover on their medical malpractice policy\u00a0pays for\u00a0the\u00a0former\u00a0client\u2019s compensation.\u00a0\u00a0<\/p>\n\n\n\n

<\/p>\n\n\n\n

Do you need to extend your run-off if you’re changing insurers?<\/h2>\n\n\n\n

A classic example of a gap in cover is where you\u2019re changing insurers and you find out too late that your new insurer won\u2019t cover claims for work done before the policy\u2019s start date.  <\/p>\n\n\n\n

Then, if a claim for past work comes in after the switch, you\u2019re stuck paying for it yourself. Your new insurer won\u2019t cover it. And your old insurer won\u2019t either as your policy with them has ended.  <\/p>\n\n\n\n

To avoid this kind of sticky scenario, it\u2019s worth speaking to your insurer about run-off cover before<\/em> you switch. Alternatively, you can check your new policy to see if it includes something called retroactive (or \u2018retro\u2019) cover<\/a>.  <\/p>\n\n\n\n

Retro can protect your past work under your new policy. However, not all policies include it \u2013 and not all match your previous cover exactly. You should check your policy schedule carefully and speak to your insurer if you\u2019re unsure.  <\/p>\n\n\n\n

<\/p>\n\n\n\n

How do you get run-off cover?<\/h2>\n\n\n\n

To get run-off cover, you must<\/strong> have an active professional indemnity or medical malpractice insurance policy that <\/em>hasn\u2019t<\/em> expired yet<\/em>. <\/p>\n\n\n\n

If you\u2019re planning to stop trading anytime soon, you should tell your insurer as soon as possible. They\u2019ll want to know the dates of when you plan to stop working (or, if you have already, when that was).  <\/p>\n\n\n\n

At your next insurance renewal, your insurer will offer you new run-off terms. They might also ask for details of work carried out between your last renewal and when you stopped trading. <\/p>\n\n\n\n

Your new insurance cover will continue for another year under its original terms. However, it’ll now include an amendment with your run-off date; meaning only claims for work carried out before<\/em> the run-off date will be covered. <\/p>\n\n\n\n

<\/p>\n\n\n\n

Is run-off cover expensive?<\/h2>\n\n\n\n

You might expect run-off cover to be much cheaper than maintaining a full-priced policy.  <\/p>\n\n\n\n

The likelihood of a claim being made against you should<\/em> reduce as time passes by. Surely that means the cost of your run-off cover reduces in synch with the shrinking risks? <\/p>\n\n\n\n

That makes sense logically. But it\u2019s not always the case. <\/p>\n\n\n\n

Insurers consider a range of factors when deciding how much your run-off cover should cost, including your claims history and the current market. Some professions, like architects and designers, might find that problems with their work are more<\/em> likely to crop up later down the line. Their risk, in fact, increases over time. <\/p>\n\n\n\n

Realistically, adding run-off to your PI or medical malpractice policy might mean you pay more or less than when you were trading. Or you might pay the same. It just depends. <\/p>\n\n\n\n

Though quite frankly, if there\u2019s even a remote chance your past work might come back to bite you, having run-off cover is worth it. It\u2019s an antidote to the many \u00a3thousands in legal fees and compensation you might have to pay to make a claim go away.  <\/p>\n\n\n\n

<\/p>\n\n\n\n

How long should you keep run-off cover going?<\/h2>\n\n\n\n

Generally, and somewhat unhelpfully, there\u2019s no minimum or maximum length of time you have to have it. <\/p>\n\n\n\n

Chartered accountants, architects, and surveyors are the exceptions. Their professional bodies will usually specify how long they\u2019d need to maintain PI run-off after they stop working. Generally, it\u2019s between two to six years.  <\/p>\n\n\n\n

For everyone else, it depends on what you or your business did and how likely you think it is that there could be a claim. If your contracts involved working on a bunch of low-risk projects that were unlikely to carry long-term results, then you might only want to keep your run-off cover ticking over for only a year. <\/p>\n\n\n\n

It’s\u00a0worth noting that the\u00a0limitations period<\/a>\u00a0for starting legal proceedings against someone is six years from the date of an alleged incident. Whether\u00a0that\u2019s\u00a0enough or too much for you\u00a0to keep your run-off for\u00a0is your call.\u00a0<\/p>\n\n\n\n

<\/p>\n\n\n\n

Run-off with me<\/h2>\n\n\n\n

Who you buy your business insurance (and subsequently your run-off cover with) is up to you, of course. We’d always recommend\u00a0using\u00a0a\u00a0broker who can go through your requirements with you. That way, you can be sure any cover you buy will be the right fit for your business. <\/p>\n\n\n\n

Want\u00a0to know more about how we help businesses with their insurance?\u00a0Give us a call on\u00a00345 222 5391<\/strong>.\u00a0\u00a0<\/p>\n\n\n\n

Image used under license from iStock. <\/em><\/p>\n\n\n\n

<\/p>\n","protected":false},"excerpt":{"rendered":"

So that\u2019s it. You\u2019ve\u00a0decided to\u00a0stop\u00a0doing\u00a0whatever\u00a0it is\u00a0you do.\u00a0At\u00a0this point, you might be wondering if\u00a0it’s a good idea to cancel your business insurance.\u00a0\u00a0 It might be tempting to\u00a0strike\u00a0your insurance off as an unnecessary expense. But it’s important to remember that claims\u00a0don\u2019t\u00a0always stop … Continue reading →<\/span><\/a><\/p>\n","protected":false},"author":10,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[287,129,290,132],"tags":[137,150,299,154],"class_list":["post-5116","post","type-post","status-publish","format-standard","hentry","category-more-business-insurance","category-professional-indemnity-insurance","category-self-employed-and-freelance-advice","category-small-business-advice","tag-insurance-explained","tag-managing-risk","tag-professional-indemnity-insurance","tag-run-off-cover"],"acf":[],"yoast_head":"\r\nWhat's run-off cover and who needs it?<\/title>\r\n<meta name=\"description\" content=\"If you're planning to retire or stop trading, you might want to think about adding run-off cover to your insurance. Find out what it is and how it works.\" \/>\r\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\r\n<link rel=\"canonical\" href=\"https:\/\/www.policybee.co.uk\/blog\/whats-run-off-cover\" \/>\r\n<meta property=\"og:locale\" content=\"en_GB\" \/>\r\n<meta property=\"og:type\" content=\"article\" \/>\r\n<meta property=\"og:title\" content=\"What's run-off cover and who needs it?\" \/>\r\n<meta property=\"og:description\" content=\"If you're planning to retire or stop trading, you might want to think about adding run-off cover to your insurance. 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